Is the safety factor of Yu 'ebao high?

A few days ago, Yu 'ebao users reported that 40,000 yuan of funds were inexplicably drawn away. Yesterday, Yuan, general manager of Ali Microfinance Division, responded that Yu 'ebao did have the risk of theft, and the risk rate of theft was one in 100,000. Earlier, some media reported that after Alipay launched Yu 'ebao, Mr. Huang handled the Yu 'ebao business and deposited 300,000 yuan in the balance treasure. 10 10/2, 40,000 yuan in Mr. Huang's account was transferred without his knowledge. Whether there are loopholes in Alipay's risk control system, the issue of capital security has been widely concerned.

Alipay said after the investigation that it was preliminarily judged that the incident was related to identity information disclosure and SMS hijacking, and reminded consumers to pay attention to their own information security. If they find that the mobile phone is abnormal (such as not receiving SMS for a long time), they should contact the operator in time.

"Judging from the transaction volume and number of transactions of Yu 'ebao, the risk rate of theft is not high. "Yuan told the Beijing News reporter that the risk of theft is one in 100,000, and the stolen users can be regarded as" unfortunate winners ". According to the figures disclosed in July, the cumulative users of Yu 'ebao 18 days exceeded 2.5 million, and the monthly sales exceeded10 billion yuan.

According to public information, Alipay currently has 850 million registered accounts and 30 million daily transactions. Based on this huge base, even a loss rate of one in one hundred thousand means a lot of money. After the launch of Yu 'ebao business, network security further tested Alipay's security system.

Burglary insurance claims are similar to compulsory insurance.

According to Alipay, its work in network security payment includes: combining the upstream and downstream of the industrial chain, creating a safe terminal environment, reducing fishing and Trojan horses, controlling the occurrence of viruses, identifying behaviors more accurately through big data, and cooperating with public security departments and financial institutions to identify users.

Yuan said that Alipay's risk management and control capabilities played a certain role in the above cases. Before consumers found the loss, Alipay had intercepted the loss of 60,000 yuan through risk management and control. However, the risk of theft cannot be completely avoided, so Yu 'ebao promises that once it happens, Ping An Insurance, the partner, will pay the full amount to consumers through theft insurance. He explained, "The claim method of Yu 'ebao theft insurance is similar to the well-known compulsory insurance, but the risk of Yu 'ebao being stolen is lower than that of traffic accidents."

In addition, David Tan, president of Ali Small and Micro Research Institute, said that Ali would not consider P2P business for the time being. The reason is that the default rate of P2P is as high as 2%, the market is not mature enough, and the understanding of risks is low.

Scale: The accumulated subscription amount of Yu 'ebao has reached 654.38+030 billion.

Tian Hong will be the sole investment manager of Yu 'ebao, which means that Tian Hong will have the cake to himself.

Yesterday, Fan Zhiming, president of Ali Microfinance's domestic business group, said that Ali would no longer cooperate with other fund companies in monetary funds, and Tian Hong would be the sole investment manager of Yu 'ebao. He also revealed that the accumulated subscription amount of Yu 'ebao has reached 654.38+030 billion yuan. This means that Tian Hong Fund will enjoy the cake of the Monetary Fund with a retention scale of nearly 100 billion yuan.

For the first time, it only cooperated with Tian Hong.

Fan Zhiming, president of Ali Microfinance's domestic business group, said yesterday that Alipay will no longer cooperate with other fund companies in terms of money funds. Only Tian Hong is a company, but other high-yield wealth management products will appear on the Ali platform. This is the first time Alipay has made an open statement to Yu 'ebao suppliers. According to Alipay's idea at the first press conference of Yu 'ebao and communication with the CSRC, Alipay had intended to introduce 3-4 money funds into Yu 'ebao.

According to industry insiders, according to the supervision of the CSRC on products such as "live treasures", whether investors have the right to choose is one of the factors to judge whether sales organizations should obtain licenses. Previously, other companies in the industry participated in the expectation of Yu 'ebao. However, Fan Zhiming's statement yesterday showed that if he intends to invest in Tian Hong Fund, Tian Hong Fund will become the sole investment manager of Yu 'ebao.

This also means that Tian Hong Fund will enjoy this money fund cake which may be close to 1000 billion yuan. According to previous data, the scale of Zenglibao Monetary Fund linked to Tian Hong Yu 'ebao is close to 50 billion yuan. At present, the industry predicts that its scale should be between 60 billion yuan and 70 billion yuan.

The door of Yu 'ebao is closed, and the cooperation between the fund and other Internet companies is under way. Fund industry insiders said that Baidu's wealth management platform will be launched at the end of 10 at the earliest, and a wealth management product will be launched, with "ultra-high annualized income+ultra-low threshold" as the selling point. Earlier, it was reported that the annualized rate of return of this product could reach 7%-8%.

It is said that the acquisition of Tian Hong is intended to control risks.

Peng Lei, CEO of Ali Microfinance Services Group, said that the acquisition of Tian Hong Fund was not intentional, but in the process of cooperation, in order to ensure the safety of funds and liquidity of a large customer base. Peng Lei believes that Yu 'ebao is not a general financial management, but already a bottom-level business. In order to ensure the safety of users' funds and business, the acquisition method is adopted, because finance pays more attention to safety.

Fan Zhiming said that Ali Xiao Wei should have stronger and more direct control over the investment direction of the money fund behind Yu 'ebao to ensure the safety of its funds. He said that although the risk of the money fund is low, he is still worried about extreme risk events similar to Everbright Securities. According to him, the accumulated subscription amount of Yu 'ebao has reached 654.38+030 billion yuan (the subscription amount is not the final remaining scale and is not included in the consumption and cash withdrawal scale).

Background: Internet companies are scrambling to enter the banking industry.

Since Ali Microfinance includes payment, microfinance, wealth management and other businesses, it already has some "banking functions", and the outside world has been paying attention to the pace of Ali's entry into the banking industry. Judging from the attitude of Ali Microfinance executives yesterday, it seems that there is no timetable and plan for applying for online banking and private banking licenses, at least not actively competing with traditional banks.

/kloc-In September of 0/6, Alibaba Group and Minsheng Bank signed a strategic cooperation framework agreement. It is reported that the above cooperation is not exclusive, and Ali is still willing to open the door to other banks.

Regarding the statement that Alipay has done a lot of banking work, Yuan, general manager of Ali Microfinance Division, said that banks are the behind-the-scenes promoters of hydropower and coal payment and wealth management business. "All our work is based on what the World Bank is doing. If the cooperation with the bank is broken, there is nothing we can do. "

According to media reports, Tencent is also actively applying for a private banking license, which has been approved by the Guangdong provincial government and reported to the China Banking Regulatory Commission. However, Tencent subsequently responded that "our company is only a minority shareholder of a consortium, and there is no plan to apply for a banking license directly at present", and it is a member of applying for a private banking license, not the dominant party.

Compared with Ali and Tencent, Suning's attitude is more clear. Shang Yun of Suning recently said that the name of "Suning Bank" has been approved by the State Administration for Industry and Commerce, and the follow-up work of bank application is being followed up. Suning and Tencent have set up microfinance companies to engage in financial business before; In late September, JD.COM and Baidu also set up a small loan company in Jiading District.

Competitor: WeChat payment threatens Alipay?

WeChat version 5.0 officially launched the WeChat payment function, and WeChat with more than 400 million users announced its entry into the payment field. Whether it will shake the original market position of Alibaba Alipay business will trigger a heated discussion in the industry. A number of senior executives of Ali Microfinance said yesterday that "WeChat poses little threat to us."

"Alipay spent ten years building a credit system. Ali * * * has 400 employees to do security, and it takes time to accumulate. There are not enough users, the platform is big enough, and there is money. " Peng Lei, CEO of Ali Microfinance Services Group, said. She said that she believes in the genes of each company and believes that there is specialization in the industry; At the same time, I would like to remind everyone that I admire the innovation of WeChat, but when the understanding of the financial security system in such innovation is not thorough, the risks are still worth noting.

Fan Zhiming, president of Ali Microfinance's domestic business group, said that WeChat only pays, and it is not an order of magnitude with Alipay. "Talking about payment is too small, look at what Alipay did today."

However, through the release of the new version of Alipay Wallet 7.6 yesterday, it can be seen that it is planning to actively move closer to the WeChat site. In this version, Alipay's open platform debuted, which means that users can add a "public service account" similar to WeChat in Alipay wallet and use third-party application functions.

At present, there are CITIC Bank, Ping An Bank, China Mobile and China Unicom. Users can check bills and change mobile phone packages, similar to the services provided on WeChat official account.